At a glance
From its website, read 2 Nov 2026Nueva Esperanza Community Credit Union is a credit union based in Toledo, Ohio. Its website describes auto loans, immigration loans and personal loans. Where it lends: Lucas, Fulton, Defiance, Williams, Henry and Wood counties, Ohio. It accepts an ITIN. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (419) 720-9530 source |
|---|---|
| Website | www.nuevaesperanzaccu.org |
| Office (official list) | 1638 Broadway St, Toledo, OH 43609 |
What their website says about applying
A valid government issued photo ID from any country (passport, state Identification, driver's license, Consular registration, voting card, FLOC, etc.)
sourceMinimum deposit $ 5 USD (cash)
sourceLlenar la solicitud en persona.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Membership required
To become a member of NECCU, you must first qualify for membership.
source - ITIN accepted
4. Optional: Valid Social Security Number or ITIN (Individual Tax Identification Number), if you want to request a loan or for dividend
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 7 Dec 2015 |
| RSSD ID | 4197074 |
| Address | 1638 Broadway St, Toledo, OH 43609 Directions (Google Maps) |
| Website | www.nuevaesperanzaccu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan terms, amounts and an online application process were not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | *New and Used Vehicle Loans | source |
| Immigration / citizenship loans | — | Citizenship Loans | source |
| Personal / consumer loans | — | Other personal loans | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Lucas, Fulton, Defiance, Williams, Henry and Wood counties, Ohio
Qualifying Counties: Lucas, Fulton, Defiance, Williams, Henry and Wood.
source
Counties this matches: Defiance County, OH, Fulton County, OH, Henry County, OH, Lucas County, OH, Williams County, OH, Wood County, OH
Borrower focus
- Minority / BIPOC
The mission of NECCU is to empower the Latino community by promoting saving
source
Languages
- Spanish
The Staff, who speak both English and Spanish, are very helpful and courteous
source
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.nuevaesperanzaccu.org/
- https://www.nuevaesperanzaccu.org/financial-education
- https://www.nuevaesperanzaccu.org/copy-of-financial-education
- https://www.nuevaesperanzaccu.org/services-products
- https://www.nuevaesperanzaccu.org/es/financial-education
- https://www.nuevaesperanzaccu.org/es/copy-of-financial-education
- https://www.nuevaesperanzaccu.org/about
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and immigration loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$2.7 million in 7 awards from the U.S. Treasury's CDFI Fund, 2013–2024 (CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2022 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
| 2016 | CDFI Program, Technical Assistance | $56,607 |
| 2013 | CDFI Program, Technical Assistance | $92,680 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as NUEVA ESPERANZA COMMUNITY (charter 68603). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $4.5 million (as of 30 Jun 2026) |
|---|---|
| Members | 823 (as of 30 Jun 2026) |
| Offices | 1 (as of 30 Jun 2026) |
Offices by state and county (1)
Ohio (1 office)
- Lucas County (1): 1638 Broadway St, Toledo 43609 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Nueva Esperanza Community Credit Union (NCUA charter 68603, filed as “NUEVA ESPERANZA COMMUNITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $2.6 million, 230 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 11.0% from $2.9 million on 30 Jun 2025 |
| Members | 823 (as of 30 Jun 2026); 680 (as of 30 Jun 2025) |
| Loans per member | $3,128 (total loans divided by members, 30 Jun 2026) |
| Total assets | $4.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $439,972 | 17.1% |
| Used vehicle loans | $1.7 million | 66.8% |
| First-lien home mortgages (1-4 family) | $13,512 | 0.5% |
| Other unsecured loans | $330,969 | 12.9% |
| Leases and other secured loans | $71,142 | 2.8% |
None reported on the 30 Jun 2026 report: other real estate loans (junior liens, other); commercial (business) loans; credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $4.5 million | Larger than 0% of the 11 other certified credit unions in Ohio (median $365.7 million). |
| Loans as a share of assets | 58% | Median of the same 11 credit unions: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $2.9 million → $2.6 million (-11%) | Median change of 11 other certified credit unions in Ohio: +1%. Rank by loans held among these 12: 12 → 12. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Ohio | 11 | larger than 0% |
| Loans held then vs now | certified credit unions in Ohio reporting both dates | 11 | rank 12 → 12 of 12 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Toledo and Ohio
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- Cardinal Credit UnionCredit union · Mentor, OHAuto / vehicle loans, Commercial real estate loans, Equipment loans, Microloans…Verified
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- Cleveland Development Advisors Community Reinvestment Fund, Inc.Loan fund · Cleveland, OHCommercial real estate loansVerified
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